]]>By: jamescrz293http://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3526739
Wed, 06 Aug 2014 19:58:00 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3526739All the people Calling Kap dumb are the same ones who said the 49ers were dumb to pay him that much.

But right after they read the actual contract, all of a sudden people make a 180 degree turn and start talking about Kap. This was a Win-Win deal because Kap has the ability to win multiple Super Bowls and get paid the money in his contract, but he knows he needs help. This contract allows the team to sign other players like Crabtree and Davis.

People just don’t want to admit that they have nothing bad to say anymore. They can’t call him selfish or overpaid and they can’t call the team dumb for paying him money that will come back to bite them.

]]>By: mpatmashttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3524942
Wed, 06 Aug 2014 04:02:53 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3524942I have to laugh at the morons who posted comments about Kap’s intelligence. I guarantee you he is smarter than you are. 4.2 high school GPA and he holds a bachelor’s degree in business I believe from The University of Nevada – Reno, a tier 1 university in US News ranked among the top 200 universities in the US and among the top 400 universities in the world. He makes more money than all the losers on this blog combined.

He probably has this insurance for one reason, he is the best dual threat QB in football history. He is certainly the best in NCAA history and judging by what he has accomplished in 2 seasons in the NFL, he will continue to set records in the NFL. He wants to run. The 49ers want him to run. Because of that he is at risk. Its a smart move. Most QBs stand there in the pocket like a statue. Not Kap. He has already changed football.

]]>By: grapherdoghttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3524481
Tue, 05 Aug 2014 22:54:17 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3524481The way the blog is written this is a bizarre financial concession for Kap. But there are so many things you can do to manipulate taxes, payments, salary cap implications that this seems like an ignorant assumption.
Kap is paying $2 mil pre-tax, the Niners could have added in $2 mil somewhere else so the Niners benefit from the deal structure and Kap would lose nothing and the Niners could also benefit.
My guess is that with a little research or more facts this blog wouldn’t be making these assertions and you guys calling Kap and his agent an idiot wouldn’t be piling on with such ignorant comments.
]]>By: shutdauphttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3524403
Tue, 05 Aug 2014 22:00:29 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3524403titansbro, what team do you follow? Rams?
]]>By: realitycheckbabyhttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3524362
Tue, 05 Aug 2014 21:50:31 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3524362Russel Wilson scored 28.

Actually it was 43, but he wasn’t single handedly responsible for all the Hawks scoring in their Superbowl win, though he did have a 123.1 QB rating and didn’t throw a pick during the entire post season.

]]>By: jvibottomlinehttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3524337
Tue, 05 Aug 2014 21:43:03 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3524337You agree, because you know you are the MAN and you will deliver BIG and collect all 126 million dollars, Kaepernick is a STUD!
]]>By: folkwolf101http://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3524332
Tue, 05 Aug 2014 21:41:05 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3524332First of all, Kaepernick’s contract came before Andy Dalton’s, who went for the same incentives plus had the hindsight of fine-tuning. Second, the insurance purchase was part of the negotiation. They gave him very good money, providing that he agree to purchase insurance that would also benefit the team. And, third, let’s face it: Kaepernick does not have great statistics as a passer, nor as a come-from-behind clutch passer. When his 49ers had a good lead in the NFC championship game, Kaep committed 3 turnovers in the last 10 minutes. He still has a lot of upside to grow. Luckily he has a great staff of coaches. Dalton, on the other hand, is a very good passer who unfortunately has Marvin Lewis as his headcoach making all the calls in the playoffs. Enough said.
]]>By: i thumbs down your commenthttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523952
Tue, 05 Aug 2014 19:34:53 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523952The shareholders of the company insuring that $20MM contract just became huge fans of the 49ers’ O-Line.
]]>By: jakethesnake123http://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523926
Tue, 05 Aug 2014 19:28:27 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523926If not for a couple of great games against the Pack Kaep would have never got near as much money. The rest of his starts have been average at best.
]]>By: islandfocus2http://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523844
Tue, 05 Aug 2014 19:04:06 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523844ctiggs says:Aug 5, 2014 10:08 AM

]]>By: jonnguy2014http://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523637
Tue, 05 Aug 2014 17:49:45 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523637I see 4 k pass and 1k rush for Kap this season
]]>By: uplate5301http://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523633
Tue, 05 Aug 2014 17:49:09 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523633Given what these guys are doing for a living, it strikes me as insane not to be insured to the hilt if you can afford it anyway. One wrong hit and you may be stocking shelves for the rest of your life.
]]>By: mpatmashttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523593
Tue, 05 Aug 2014 17:32:21 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523593Why? Simple. Having watched every game he has played since 2007, I can tell you, Kap is even better as a running back than as a QB. He is big, fast and strong and unafraid. He takes a hit and gives them out too! Those of us who watched him from the beginning saw his 59 rushing TDs in college and his 4000 plus rushing yards. He cannot and will not be trapped in the pocket. That’s just not his style. He will run as he should! Few defenses can catch him. As a result he scares his coaches. They know he has a higher risk of injury. So, they are demanding insurance. Can’t say I blame them. But Kap ran through defenses in college wiyhput getting hurt. He knows when to slide.
]]>By: barrancefonghttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523588
Tue, 05 Aug 2014 17:30:23 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523588Something doesn’t make sense here. Isn’t this the definition of insurance? Kaep is paying $2 million dollars to get injury guarnantees in his contract. By buying the disability policy, the Niners will pay him $61 million in injury guaraneed money in the case something catastrophic happens on the field. Who get’s paid out on the disability policy is irrelevant. Kaep is still guaranteed the he’ll get $61 mill and the $20 mill is just relief for the Niners.

If a $20 mill policy costs $2 mill, then a $61 million policy would definitely cost more. It really doesn’t seem that bizarre to me at all.

]]>By: jtdapit50http://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523562
Tue, 05 Aug 2014 17:21:40 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523562Kap = Gonzo.
]]>By: senorenohttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523516
Tue, 05 Aug 2014 17:03:56 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523516Im a 12th man fanboy toy (or whatever contrived name we call ourselves now) so excuse me if I know so little about football. Like most of my fellow fans, I started watching their games in 2012. Most of us were Seattle Sounders FC fans prior.
]]>By: cincyalldawayhttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523507
Tue, 05 Aug 2014 17:00:50 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523507prospector49 says:
Aug 5, 2014 11:22 AM
Kap got a 35 on the Wonderlick, a 4.2 GPA in high school, and turned down a baseball scholarship to Harvard in order to play football. For all those saying he’s not the sharpest tool in the toolbox, guess again.
===============================
Which is EXACTLY why he’s the dullest tool in the NFL toolbox. Plenty of book sense and not one ounce of common sense. Dumb as a post. Dude really needs to fire his agent!
]]>By: digitalsasquatchhttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523474
Tue, 05 Aug 2014 16:49:31 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523474Oh, Kaep-Kaep…you got hosed. But you can still sorta afford to buy a whole ‘nother house for the shoe and hat collection.
]]>By: nrae73http://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523450
Tue, 05 Aug 2014 16:42:33 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523450Russel Wilson scored 28.

That’s better right?

yours truly,

the 12th Man (football fans since 2012, 12 also being the combined score for all of the 12th Man)

]]>By: whenwilliteverendhttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523440
Tue, 05 Aug 2014 16:39:22 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523440I’m willing to bet there’s more to this than what is mentioned in the story. No player would buy an insurance policy with his own salary payable to the team if there wasn’t something in it for them. I’d be willing to bet the team made some concession to him for buying that policy. The thing that makes me believe that is it’s mentioned in the story that the premium is $2 million PRE-TAX. That’s a significant word there. My guess would be that he could pay that pre-tax whereas had the Niners bought it, it would have been after tax. That may not seem like much of a deal but he’s probably in the 50% tax bracket and that’s a difference of $1M. The specific wording of that leads me to believe there’s more to the story than the eye can see.
]]>By: ravenswhathttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523371
Tue, 05 Aug 2014 16:22:26 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523371Is Kaeps agent corky from life goes on?
]]>By: thegreatgabberthttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523345
Tue, 05 Aug 2014 16:15:58 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523345..or was it a 52? You hear so many different things.
]]>By: burbankvikingshttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523261
Tue, 05 Aug 2014 15:51:40 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523261Actually he scored a 38
]]>By: bengalguyhttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523245
Tue, 05 Aug 2014 15:47:48 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523245Not to bright Kap. Fire yo agent Bro!
]]>By: bullchargerhttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523243
Tue, 05 Aug 2014 15:47:18 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523243prospector49 says:Aug 5, 2014 11:22 AM

Kap got a 35 on the Wonderlick, a 4.2 GPA in high school, and turned down a baseball scholarship to Harvard in order to play football. For all those saying he’s not the sharpest tool in the toolbox, guess again.

———————–

There’s no doubt he’s book smart. However, if book smarts were everyything there would be many more successful people in this world. Like Richard Sherman, Kaep is a social idiot. Completely immature. Some of the things that he does are really stupid (like wearing a Dolphins and not undestanding why it was wrong). He’ll become more mature over time I’m sure. He’s just a kid. He’ll get there.

]]>By: goldbloodedpodcasthttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523219
Tue, 05 Aug 2014 15:42:38 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523219How come when Brady takes a “team friendly” deal he gets praised like the greatest person to walk planet earth, but when Kaepernick does it it means he got screwed? And where did this whole persona come from saying Kaepernick is dumb? If you actually did your research you would find out that one of his greatest attributes is his intellect.
]]>By: thegreatgabberthttp://profootballtalk.nbcsports.com/2014/08/05/kaepernick-disability-policy-creates-bizarre-gap-in-coverage/#comment-3523150
Tue, 05 Aug 2014 15:29:55 +0000http://profootballtalk.nbcsports.com/?p=2272245#comment-3523150Lizardman may have scored a 35 on the “Wonderlick”, but he only managed a 29 on the Wonderlic, as recorded by Pro Football Weekly in 2011. The only reliable source of the scores at the time.
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